Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Press Release

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Performance Highlights Q2 FY27 z /s z • Total Revenue increased by 3% YoY at 5,302 Cr in Q2 FY27 v 5,136 Cr in Q2 FY26 • PAT at t 778 Cr in Q2 FY27 v/s 445 Cr in Q2 FY26 • ROAA at 4.4% in Q2 FY27 v/s 2.6% in Q2 FY26 • ROAE at 18.4% in Q2 FY27 v/s 12.1% in Q2 FY26 • Capital Adequacy Ratio at 26.5%; Tier 1 at 21.2% Business Highlights • Cards-in-force grew by 8% YoY at 2.32 Cr as of Q2 FY27 v/s 2.15 Cr as of Q2 FY26 • New accounts volume at 1,106K in Q2 FY27 v/s 936K new accounts in Q2 FY26 • Spends grew by 3% YoY at z 110,689 Cr in Q2 FY27 v/s z 107,063 Cr in Q2 FY26 • Receivables lower by 2% YoY at z 58,376 Cr in Q2 FY27 v/s z 59,845 Cr in Q2 FY26 • Market share for *Q2 FY27 Card-in-force is at 18.5% (Q2 FY26: 19.0%), Spends is at 18.2% (Q2 FY26: 17.7%),#2 for Cards-in-force and spends, in industry. (Note-* As per RBI data available till Aug'26) Profit & Loss Account for the Quarter ended September 30, 2026 • Total income increased by 3% at z 5,302 Cr in Q2 FY27 v/s z 5,136 Cr in Q2 FY26. This movement was a result of the following key factors: o Interest income increased by 1 % at t 2,511 Cr in Q2 FY27 v/s z 2,490 Cr in Q2 FY26 o Fees and other income increased by 6% at t 2,630 Cr in Q2 FY27 v/s t 2,471 Cr in Q2 FY26 • Finance costs increased by 4% at 787 Cr in Q2 FY27 v/s t 760 Cr in Q2 FY26 due to Higher cost of borrowings. • Total Operating cost increased by 7% at z 2,649 Cr in Q2 FY27 from z 2,484 Cr in Q2 FY26 • Earnings before credit costs decreased by 1% at 1,865 Cr in Q2 FY27 v/s t 1,892 Cr in Q2 FY26 • Impairment losses & bad debts expenses decreased by 37% at 819 Cr in Q2 FY27 v/s 1,293 Cr in Q2 FY26 Page 113 Public OSBl card • Profit after tax increased by 75% at~ 778 Cr in Q2 FY27 v/s ~ 445 Cr in Q2 FY26 Balance Sheet as of September 30, 2026 • Total Balance Sheet size as of September 30, 2026, was~ 71,102 Cr as against ~ 66,328 Cr as of March 31, 2026 • Total Advances (Net of provisions) as of September 30, 2026, were~ 56,532 Cr, as against ~ 54,984 Cr as of March 31, 2026 • Net worth as of September 30, 2026, was ~ 17,244 Cr as against ~ 15,797 Cr as of March 31,2026 Asset Quality The Gross non-performing assets were at 1.90% of gross advances as of September 30, 2026, as against 2.85% as of September 30, 2025. Net non-performing assets were at 0.77% as of September 30, 2026, as against 1.29% as of September 30, 2025. Capital Adequacy As per the capital adequacy norms issued by the RBI, Company's capital to risk ratio consisting of Tier I and Tier II capital should not be less than 15% of its aggregate risk weighted assets on - balance sheet and of risk adjusted value of off-balance sheet items. As of September 30, 2026, Company's CRAR was 26.5% compared to 22.5% as of September 30, 2025. The Tier I capital in respect of an NBFC-ND-SI, at any point of time, can't be less than 10%. Company's Tier I capital was 21.2% as of September 30, 2026, compared to 17.5% as of September 30, 2025. Rating CRISIL Long Term AAA/Stable CRISIL Short Term A1+ ICRA Long Term AAA/Stable ICRA Short Term A1+ Summary Profit and Loss Statement (f Cr) Description Q2 FY26 Q1 FY27 Q2 FY27 QoQ YoY Interest Income 2,490 2,421 2,511 4% 1% Non-Interest Income 2,471 2,620 2,630 0% 6% (Fees, commission income & others) Total Revenue from operations 4,961 5,041 5,141 2% 4% Total Other Income 175 165 161 -2% -8% Total Income 5,136 5,205 5,302 2% 3% Finance costs 760 745 787 6% 4% Operating Costs 2,484 2,620 2,649 1% 7% Page 213 Public OSBI Card Earnings before credit costs 1,892 1,841 1,865 1% -1% Impairment losses & bad debts 1,293 948 819 -14% -37% Profit before tax 600 893 1,046 17% 74% Profit after tax 445 664 778 17% 75% Summary Balance Sheet (f Cr) Description Mar'26 Sep'26 Assets Loans (Net of provisions) 54,984 56,532 Cash & Bank Balances 2,320 3,759 Investments 6,374 7,980 Other Financial Assets & Trade Receivables 598 772 Total non-financial Assets 2,052 2,059 Total Assets 66,328 71,102 Liabilities and Equity Total Equity 15,725 17,172 Borrowings, Subordinated Liabilities & Debt Securities 44,064 47,850 Other financial liabilities 4,565 3,994 Total non-financial liabilities 1,974 2,087 Total liabilities and equity 66,328 71,102 About SBI Card SBI Cards and Payment Services Limited ("SBI Card") is a non-banking financial company that offers extensive credit card portfolio to individual cardholders and corporate clients which includes lifestyle, rewards, travel & fuel, and banking partnerships cards along with corporate cards covering all major cardholders' segments in terms of income profile and lifestyle. The brand has a wide base of over 23.1 MM+ cards in force as of Sept 2026. SBI Card has a diversified customer acquisition network that enables to engage prospective customers across multiple channels. The Company is listed on National Stock Exchange ("NSE") and The Bombay Stock Exchange ("BSE"). P.S. The brand name of the company is 'SBI Card' and it is registered in the name of 'SBI Cards and Payment Services Limited'. The company is trading under the entity name 'SBICARD' on stock exchanges. For investor queries please email investor.relations@sbicard.com For further press queries please contact: SBI Card Perfect Relations for SBI Card Vishal Tyagi Shilpa Abraham visha1.tyagi1@sbicard.com M: + 91 7907431859 shilpa.abraham@perfectrelations.com Page 313 Public